Landlords Insurance

Looking after your commercial properties, shops and offices

As the landlord of a commercial property protecting the asset that provides your income is essential for your portfolio of properties. Even though you most likely rent out the premises, as the landlord you are still responsible for certain legal aspects and the added protection will ensure a future income.

Commercial landlord cover

Once you have rented out your property you are still liable for a number of items relating to the building. Liability claims can be made against you following an accident caused to the fabric of the building. Roof tiles are one of the most popular examples of this, which can fall on person or property.

Your business model is likely to be dependent on a steady rental income from your premises. There are many ways this income can become interrupted aside from bad tenants. Accidental damage, denial of access due to an incident in buildings around you, bomb scares or even unlawful occupation can all be covered.

Perhaps the greatest feature of commercial landlords insurance is the cover applied to the buildings. The replacement of a damaged building including debris removal with up to 35% inflation allowance will allow you to start trading again. The landlords fixtures and fittings are also covered.

Features and benefits

• 24 hour glass replacement service for windows, doors and partitions
• Inflation protection for your sums insured using an independent cost indices
• 24 hour legal and emergency helpline
• Range of liability cover from £2 to £10 million
• Flexible payment options allow you to pay an annual fee or spread the cost over 12 months with direct debit
• Expert claims management takes on the burden of negotiating with third parties
• Landlords fixtures and fittings covered
• Personal possessions cover for directors, partners, customers, visitors and employees up to £500
• Loss of rental due to damage cover
• Replacement of locks and keys following theft